Final Authorization Indicator

The purpose of this feature is to ensure that unused funds are reversed, so that customer’s funds are available again when an order is not fulfilled.
For an authorization with an amount greater than zero, indicate whether the authorization is a final authorization, a pre-authorization, or an undefined authorization.
You can set a default authorization type in your account. To set the default authorization type in your account, contact customer support.
Chargeback protection is in effect for seven days after the authorization.

Supported Services

  • Authorization
  • Incremental authorization

Supported Card Types

  • Co-badged Mastercard and mada. You must identify the card type as Mastercard. Supported only on
    Visa Platform Connect
    .
  • Maestro (International)
  • Maestro (UK Domestic)
  • Mastercard

Requirements for Final Authorizations

For a final authorization:
  • The authorization amount must be greater than zero.
  • The authorization amount must be the final amount that the customer agrees to pay.
  • The authorization should not be cancelled after it is approved except when a system failure occurs.
  • The authorization must be submitted for capture within seven calendar days of its request.
  • The capture amount and currency must be the same as the authorization amount and currency.
Final Authorization Indicator

Pre-Authorizations

A pre-authorization enables you to authorize a payment when the final amount is unknown. It is typically used for lodging, auto rental, e-commerce, and restaurant transactions.
For a pre-authorization:
  • The authorization amount must be greater than zero.
  • The authorization must be submitted for capture within 30 calendar days of its request.
  • When you do not capture the authorization, you must reverse it.
    In the U.S., Canada, Latin America, and Asia Pacific, Mastercard charges an additional fee for a pre-authorization that is not captured and not reversed.
    In Europe, Russia, Middle East, and Africa, Mastercard charges fees for all pre-authorizations.
  • Chargeback protection is in effect for 30 days after the authorization.
Final Authorization Indicator

Unmarked Authorizations

An authorization is unmarked when the default authorization type is not set in your account and you do not include the
authIndicator
 field in the authorization request. To set the default authorization type in your account, contact customer support.
Unmarked authorizations are supported only in the US, Canada, Latin America, and Asia Pacific. They are not supported in Europe, Russia, Middle East, and Africa.
Cybersource
 does not set a mark or indicator for the type of authorization in the request that is sent to the processor.
Your acquirer processes an unmarked authorization as a final authorization, a preauthorization, or an undefined authorization. Contact your acquirer to learn how they process unmarked authorizations.
Final Authorization Indicator

Undefined Authorizations

An authorization is undefined when you set the default authorization type in your account to undefined and do not include the
authIndicator
 field in the authorization request. To set the default authorization type in your account, contact customer support.
Undefined authorizations are supported only in the U.S., Canada, Latin America, and Asia Pacific. They are not supported in Europe, Russia, Middle East, and Africa.
Chargeback protection is in effect for seven days after the authorization.
Final Authorization Indicator

Required Fields for Final Authorizations

Use these required fields for final authorizations and preauthorizations.
When relaxed requirements for address data and the expiration date are being used, not all fields in this list are required. It is your responsibility to determine whether your account is enabled to use this feature and which fields are required. For details about relaxed requirements, see Relaxed Requirements for Address Data and Expiration Date in Payment Transactions.
authIndicator
Set the value to
0
 for preauthorizations, or to
1
 for final authorizations. Do not include this field for unmarked or undefined authorizations.
billTo_city
billTo_country
billTo_email
billTo_firstName
billTo_lastName
billTo_postalCode
billTo_state
billTo_street1
card_accountNumber
card_expirationMonth
card_expirationYear
ccAuthService_run
Set the value to
true
.
merchantID
merchantReferenceCode
purchaseTotals_currency
purchaseTotals_grandTotalAmount
Final Authorization Indicator

Simple Order Example: Final Authorizations

Request

<requestMessage xmlns="urn:schemas-cybersource-com:transaction-data-1.{{WSDLVersion}}">
 <merchantID>testrest</merchantID>
 <billTo>
    <firstName>John</firstName>
    <lastName>Doe</lastName>
    <street1>1295 Charleston Road</street1>
    <city>Mountain View</city>
    <state>CA</state>
    <postalCode>94043</postalCode>
    <country>US</country>
    <email>
test@cybs.com
</email>
 </billTo>
 <purchaseTotals>
    <currency>USD</currency>
    <grandTotalAmount>1.02</grandTotalAmount>
 </purchaseTotals>
 <card>
    <accountNumber>4111111111111111</accountNumber>
    <expirationMonth>12</expirationMonth>
    <expirationYear>2023</expirationYear>
    <cardType>001</cardType>
 </card>
 <ccAuthService run="true"/>
 <authIndicator>1</authIndicator>
</requestMessage>
Response to a Successful Request

<c:replyMessage xmlns:c="urn:schemas-cybersource-com:transaction-data-1.142">
    <c:merchantReferenceCode>Postman-1691009216</c:merchantReferenceCode>
    <c:requestID>6910092160816328603011</c:requestID>
    <c:decision>ACCEPT</c:decision>
    <c:reasonCode>100</c:reasonCode>
    <c:purchaseTotals>
        <c:currency>USD</c:currency>
    </c:purchaseTotals>
    <c:ccAuthReply>
        <c:reasonCode>100</c:reasonCode>
        <c:amount>1.02</c:amount>
        <c:authorizationCode>888888</c:authorizationCode>
        <c:avsCode>X</c:avsCode>
        <c:avsCodeRaw>I1</c:avsCodeRaw>
        <c:authorizedDateTime>2023-08-02T20:46:56Z</c:authorizedDateTime>
        <c:processorResponse>100</c:processorResponse>
        <c:reconciliationID>78194788VKQUQO9Q</c:reconciliationID>
        <c:paymentNetworkTransactionID>123456789619999</c:paymentNetworkTransactionID>
    </c:ccAuthReply>
    <c:card>
        <c:cardType>001</c:cardType>
    </c:card>
    <c:pos>
        <c:terminalID>111111</c:terminalID>
    </c:pos>
</c:replyMessage>
Final Authorization Indicator